Cheapest Car Insurance Quotes in Smith Mills

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406,175 Policies Sold

Smith Mills Car Insurance

^$ 18

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Smith Mills

The car insurance rate in Smith Mills is $1611 for a six-month policy, which is $105 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $477, making it a popular choice for budget-conscious drivers. Rates in Smith Mills can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Smith Mills

$1611

Avg. Car Insurance in Massachusetts

$1506

National Average

$1278

Cheapest Car Insurance Companies in Smith Mills

1st place: Safety Group

At $477 for a six month policy, Safety Group offers the cheapest auto insurance rates in the city.

2nd place: Vermont Mutual

Vermont Mutual offers auto insurance rates at $560 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American Family

American Family offers auto insurance rates at $800 for six months, making it the third cheapest auto insurance company in Smith Mills.

Smith Mills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Smith Mills, MA is Safety Group, offering policies at just $477 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $560.

At the higher end of the spectrum, Norfolk & Dedham Mutl Fire Ins is the most expensive, with rates reaching $1131 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Smith Mills drivers find the best deals.

Cheap Car Insurance Companies in Smith Mills, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$477	$79
Vermont Mutual	$560	$95
American Family	$800	$135
Hanover	$953	$161
State Farm	$973	$164
Safety	$979	$167
Arbella	$1036	$172
Norfolk & Dedham	$1068	$182
Norfolk and Dedham Mutual Fire Insurance Company	$1131	$188
Farmers	$1265	$215
Travelers	$1474	$246
Plymouth Rock	$1494	$251
Progressive	$2173	$366
USAA	$2911	$490
Allstate	$3667	$617
Amica Mutual	$5314	$903
Norfolk & Dedham Mutl Fire Ins	$1131	$193

Key Takeaways

Way's key takeaways about car insurance in Smith Mills

The auto insurance costs in Smith Mills fall around $477 for six months.
The cheapest auto insurance company in Smith Mills is State Farm.
Teen drivers pay the highest rate in Smith Mills at $808 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Smith Mills

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Smith Mills are given below.

State Farm provides the cheapest minimum car insurance coverage in Smith Mills. Their Average 6 Month Premium is $108. Norfolk & Dedham Mutl Fire Ins is the most expensive at $279 for the same period.

Cheapest Liability Coverage in Smith Mills, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$108	$18
Safety Group	$153	$26
Vermont Mutual	$159	$27
American Family	$190	$32
Amica Mutual	$255	$43
Chubb	$255	$43
Plymouth Rock	$255	$43
Norfolk and Dedham Mutual Fire Insurance Company	$279	$47
USAA	$299	$50
Hanover	$305	$51
Norfolk & Dedham	$311	$52
The Hanover	$311	$52
Amica	$318	$54
Farmers	$331	$57
Safety	$375	$63
Travelers	$413	$70
Arbella	$426	$71
Progressive	$515	$87
Allstate	$661	$111
Norfolk & Dedham Mutl Fire Ins	$279	$47

Cheapest Full Coverage Car Insurance in Smith Mills

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Smith Mills is Safety Group at $79 per month and $477 for six months.

Cheapest Full Coverage Car Insurance Quotes in Smith Mills, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$477	$79
Vermont Mutual	$560	$95
American Family	$800	$135
Hanover	$953	$161
State Farm	$973	$164
Safety	$979	$167
Arbella	$1036	$172
Norfolk & Dedham	$1068	$182
Norfolk and Dedham Mutual Fire Insurance Company	$1131	$188
Farmers	$1265	$215
Travelers	$1474	$246
Plymouth Rock	$1494	$251
Progressive	$2173	$366
USAA	$2911	$490
Allstate	$3667	$617
Amica Mutual	$5314	$903
Norfolk & Dedham Mutl Fire Ins	$1131	$193

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Average Car Insurance in Smith Mills by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Smith Mills, MA increasing?

Despite maintaining a clean driving record, your car insurance rates in Smith Mills, Massachusetts, may be increasing due to several external factors. Massachusetts has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Smith Mills's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Smith Mills

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	State Farm	$391
30s	State Farm	$316
40s	State Farm	$316
50s	State Farm	$316
60s	State Farm	$278
70s	State Farm	$241

Cheapest Car Insurance Rates for Teen Drivers in Smith Mills,MA

If you are planning to get a car insurance policy for your teenage dependent, Safety Group provides the cheapest car insurance in the Smith Mills at $28 per month. At $4849 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$165	$28
Vermont Mutual	$178	$30
Hanover	$203	$34
American Family	$223	$37
Safety	$286	$48
Farmers	$331	$55
State Farm	$477	$80
Plymouth Rock	$763	$128
USAA	$1170	$197
Amica Mutual	$2594	$432
Progressive	$3267	$555
Allstate	$4849	$808

Teen Car Insurance Rates in MA by Age

Way Tip

If you are in your twenties State Farm is the best choice for car insurance in Smith Mills.

As young drivers face the highest rates in Smith Mills, State Farm offers the cheapest auto insurance rates at $391 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Smith Mills.

Car Insurance Rates with An Accident in Smith Mills

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Smith Mills, MA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Smith Mills

The cheapest car insurance companies after an at-fault accident in Smith Mills include American Family and Safety Group, offering $261 and $292, respectively. Allstate is an expensive provider with an average six-month premium of $2605.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$261	$44
Safety Group	$292	$49
Vermont Mutual	$299	$50
State Farm	$318	$54
Norfolk & Dedham	$502	$83
The Hanover	$540	$92
Plymouth Rock	$610	$103
Arbella	$813	$137
USAA	$953	$161
Safety	$1010	$170
Hanover	$1328	$224
Travelers	$1366	$230
Amica Mutual	$1418	$236
Progressive	$1474	$248
Farmers	$2333	$388
Allstate	$2605	$439

Smith Mills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Smith Mills MA. For example, the car insurance in Smith Mills after a DUI increases to $795 for a six month policy. While the rate increases by $210 for a six-month policy in the case of a speeding ticket.

Smith Mills auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$845	$141
One Med/PIP claim	$845	$143
Not-at-fault accident	$871	$146
One comp claim	$871	$148
Two Med/PIP claims	$871	$146
Two comp claims	$902	$153
At-fault accident - less than $1000	$934	$156
Child safety restraint	$966	$165
Driving without lights	$966	$161
Failure to wear a seat belt	$979	$167
Cell phone violation	$1049	$174
Texting while driving	$1049	$179
Driving too slowly	$1055	$175
Failure to stop at a red light	$1055	$180
Failure to yield	$1055	$175
Following too closely	$1055	$180
Illegal turn	$1055	$175
Improper passing	$1055	$180
Speeding 11 - 15 MPH over limit	$1055	$175
Speeding 16 - 20 MPH over limit	$1055	$180
Speeding 6 - 10 MPH over limit	$1055	$175
Speeding in school zone	$1055	$180
Wrong way/wrong lane	$1055	$175
In 65 MPH zone	$1061	$181
Speeding 21 - 25 MPH over limit	$1061	$177
Operating a vehicle without permission	$1068	$182
Passing school bus	$1113	$185
At-fault accident - $1000-$2000	$1310	$223
Failure to show documents	$1334	$223
At-fault accident - greater than $2000	$1341	$228
Driving with expired registration	$1347	$225
Open container	$1424	$242
Reckless driving	$1538	$257
Refusal to submit to a chemical test	$1570	$266
Driving with a suspended license	$1634	$272
Racing	$1634	$278
DUI	$1640	$273
Leaving scene of an accident/hit and run	$1659	$282

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Smith Mills after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Smith Mills.

The cheapest car insurance premiums in Smith Mills are offered by American Family at $318 for a six-month policy. However, it can be as expensive as $3229 with companies like Allstate.

Smith Mills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$318	$54
Safety Group	$350	$60
Vermont Mutual	$363	$60
State Farm	$387	$65
Plymouth Rock	$756	$127
Progressive	$820	$138
Hanover	$1094	$184
Arbella	$1189	$200
USAA	$1621	$273
Amica Mutual	$1850	$315
Travelers	$2281	$380
Safety	$2358	$401
Farmers	$2707	$452
Allstate	$3229	$544

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Smith Mills are offered by State Farm at $140. However, it can be as expensive as $1952 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Smith Mills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$140	$24
Safety Group	$184	$31
Vermont Mutual	$210	$35
American Family	$261	$44
Plymouth Rock	$724	$122
Arbella	$1036	$177
USAA	$1061	$177
Hanover	$1220	$205
Safety	$1278	$213
Progressive	$1379	$234
Farmers	$1595	$265
Allstate	$1837	$312
Travelers	$1952	$325

Car Insurance Price Trends in Smith Mills, Massachusetts

Car insurance rates in Smith Mills have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Smith Mills rose by $246 in February compared to $233 of January. In other words, there has been an increase by $13 when you compare February and January.

The average cost of liability insurance in the Smith Mills rose to $54 in February, compared to $46 in January. This represents an increase of $8 when comparing February and January.

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Frequently Asked Questions

How much is car insurance in Smith Mills?

The car insurance in Smith Mills is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Smith Mills?

The cheapest car insurance in Smith Mills is $79 per month for full coverage.

How much is car insurance in Smith Mills for teenagers?

Car insurance for teenagers costs $165 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Smith Mills?

The average cost of car insurance is $1506 for a six-month policy. It will cost around $272 per month to insure your car in Smith Mills.

Is car insurance expensive in Smith Mills?

Car insurance can be expensive in Smith Mills if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Smith Mills can be affordable.

Cheapest Car Insurance Quotes in Smith Mills

Why you can trust Way?

How Much Is Car Insurance in Smith Mills

Avg. Car Insurance in Smith Mills

Avg. Car Insurance in Massachusetts

National Average

Cheapest Car Insurance Companies in Smith Mills

1st place: Safety Group

2nd place: Vermont Mutual

3rd place: American Family

Smith Mills Car Insurance Rates by Company

Cheap Car Insurance Companies in Smith Mills, MA

Way's key takeaways about car insurance in Smith Mills

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Smith Mills

Cheapest Liability Coverage in Smith Mills, MA

Cheapest Full Coverage Car Insurance in Smith Mills

Cheapest Full Coverage Car Insurance Quotes in Smith Mills, MA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Smith Mills by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Smith Mills, MA increasing?

Car Insurance Premiums by Age in Smith Mills

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Smith Mills,MA

If you are in your twenties State Farm is the best choice for car insurance in Smith Mills.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Smith Mills

Cheapest Car Insurance Companies after an At-Fault Accident in Smith Mills

Smith Mills Car Insurance Rates by Violation

Smith Mills auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Smith Mills after a DUI

Smith Mills car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Smith Mills after Speeding ticket

Car Insurance Price Trends in Smith Mills, Massachusetts

Average Car Insurance Cost in Smith Mills by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Smith Mills, MA

Car Insurance Rates by State in the USA (2025 Update)

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